Peoples Bancorp of North Carolina, Inc.

NASDAQ•PEBK

CEO: Mr. William D. Cable Sr.

セクター: Financial Services

業種: Banks - Regional

上場日: 1985-10-16

Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.

連絡先情報

518 West C Street, Newton, NC, 28658, United States

828-464-5620

www.peoplesbanknc.com

時価総額

$227.20M

PER (TTM)

17.4

15.5

配当利回り

2.4%

52週高値

$42.36

52週安値

$25.36

52週レンジ

96%

順位28Top 16.1%

5.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 5.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$31.15M+26.00%

直近4四半期の推移

EPS

$0.80+19.40%

直近4四半期の推移

フリーCF

$5.06M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Balance Sheet Scale 2025 Total assets reached $1.70B at year-end 2025; net loans stood at $1.20B against $1.51B in deposits.

Strong Capital Adequacy Company maintains robust capital levels; Tier 1 Leverage ratio was 11.33% and Total Risk-Based capital ratio was 15.82%.

Deposit Concentration Noted Two largest deposit relationships total $122.7M, representing 8.13% of total deposits, indicating funding concentration risk.

Employee Base Size Company employed 268 full-time employees, equating to 273 full-time equivalents as of December 31, 2025.

リスク要因

Economic Condition Sensitivity Business highly dependent on local North Carolina economic conditions; weakness impacts loan quality, cash flows, and earnings.

High-Risk Loan Concentration Portfolio heavily weighted toward commercial real estate and commercial loans, susceptible to downturns and collateral value depreciation.

Cybersecurity Threat Severity Severe, sophisticated cyber threats pose high risk of data loss or operational disruption despite layered defensive measures.

Securities Portfolio Unrealized Loss AFS securities portfolio holds $35.3M in unrealized losses due to interest rate changes; potential realization impacts earnings.

見通し

Increased Competition Pressure Expect increasing competition from larger institutions and fintechs; success depends on expanding market position and service relevance.

Evolving Regulatory Landscape Subject to extensive regulation; future statutes regarding AI, digital assets, and banking structure could materially affect operations.

Managing Credit Portfolio Underwriting criteria applied to mitigate credit risk, but losses may exceed reserves if economic conditions worsen or loan values decline.

AI Adoption Risks Implementing AI tools introduces evolving risks related to model design, data bias, and compliance; requires ongoing governance efforts.

同業比較

売上高 (TTM)

MRBK

$205.49M

+4.1%

HNVR

$143.32M

-3.4%

MNSB

$135.47M

-1.7%

粗利益率 (最新四半期)

UBFO

80.5%

+10.2pp

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
MRBK	$243.32M	10.8	11.8%	6.9%
PEBK	$227.20M	17.4	13.5%	1.1%
OVBC	$215.34M	13.8	9.6%	3.5%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

9.3%

安定成長

4四半期純利益CAGR

15.1%

収益性の大幅な改善

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし